The shared equity credit agreement as a new credit agreement to finance the shared ownsership in Catalonia

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Abstract

The Catalan lawmaker introduced the Shared Ownership into the Catalan Civil Code in 2015. However, since the entry into force of the Act 19/2015, there have been no acquisitions of assets using this new tenure.
The Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 regulates the Shared Equity Credit Agreement, which could be a new credit agreement to facilitate the acquisitions of assets using the Shared Ownership. Moreover, the Spanish lawmaker has transposed the Directive 2014/17/UE in the same terms than the Directive 2014/17/EU.
The aim of this paper is to facilitate the implementation of the Shared Equity Credit Agreement in Spain once the Directive 2014/17/EU is transposed by the Spanish lawmaker to make housing more affordable.
Translated title of the contributionEl contracte de préstec sobre capital compartit com un nou instrument financer per a la propietat compartida a Catalunya
Original languageEnglish
Pages (from-to)111-126
Number of pages16
JournalRevista catalana de dret privat (Impresa)
Volume21
DOIs
Publication statusPublished - 2020

Keywords

  • Shared equity credit agreement
  • Credit agreement
  • Shared ownership
  • Housing
  • Mortgages
  • Co-ownership
  • Affordable housing
  • Intermediate tenures
  • Condominium

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